BUSINESS INFORMATION REPORTS FROM EXPERIAN

MAKE LOW- TO MEDIUM-RISK CREDIT DECISIONS

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Business Information Reports

It's a troubling fact. Even companies that appear stable and dependable can go
bankrupt, putting your small business at risk. Today's economy has led to some necessary
adjustments in how companies conduct business with each other. For example, small
businesses are conducting more thorough credit checks on other companies with which
they are considering doing business.

Experian's CreditScoreSM business information reports give you a wide
range of credit data on your potential customers, partners and suppliers. They allow
you to research key business information, such as contact details, sales figures,
size, products/operations, credit summary, Uniform Commercial Code filings, fictitious
business names, and payment and collections history. In addition, you will obtain
information on judgments, tax liens and bankruptcies. Experian® also includes
credit scoring in these business information reports to aid in your decision making.
Actual payment and collections history is more detailed than in Experian's BizVerifySM
report. Commercial banking, insurance and leasing details include any information
we have available about financial relationships the company may have with a bank,
insurance company or lessor. Generally, this may include the name of the company's
primary bank, insurance companies that have issued policies to it and the details
of leases that have been reported.

How Experian Business Information Reports Help You Make Informed Decisions

Our credit ranking score uses statistical models to measure and predict payment
behavior. High risk means that there is a significant probability of delinquent payment.
Low risk means that there is a good probability of on-time payment. Easy-to-read charts
and graphs give you at-a-glance summaries of payment trends and balances. With this
timely business intelligence, you can apply the proper credit strategy immediately
and maximize customer relationships.

You can protect your small business's cash flow by identifying your most creditworthy
customers through Experian's business information reports. Our reports provide
a credit category by analyzing the
business's current trade experiences and the presence or absence of collection data
and derogatory public record filings. We then classify the business into one of five
categories.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.